Privacy Policy

PRIVACY POLICY
We do not sell information about our customers, their accounts or transactions to others for their use. We do share information as described in this Privacy Policy.

When we do share information it is limited to the information necessary for the particular circumstance and only under strict controls to prevent misuse.

We restrict access to the information we obtain about you to only those service providers who need to know that information for the purpose of purchasing an automobile or obtaining car loans.

We maintain physical, electronic and procedural safeguards that comply with all state and federal regulations to guard against misuse of the information we obtain.

Information
United Car Loans, Inc. collects customer information from a variety of sources:

Application Information (The information you provide us on your applications and other forms such as names, addresses, telephone numbers, birthday, social security numbers, level of family income, employer's name, and employer's address);
Credit Reports (Information from consumer reporting agencies);
Correspondence (The information you provide when communicating in writing, online or by phone with our customer service representatives, as well as our response and follow-up correspondence with third parties concerning;
Marketing partners and publicly available databases (We receive information from our marketing partners, e.g., financial institutions, auto dealerships and other businesses and public databases which is used to help us serve you).

We use this information to evaluate your applications, locate an appropriate auto dealer and/or lender, provide you with high quality service, prevent fraud and, with your consent, inform you of offers for other United Car Loans, Inc. services offered by third parties. We may also use this information to confirm your identity when you call us to inquire about your accounts.

Cookies
"Cookies" are small computer files which are automatically placed on your computer's hard drive when you are connected to a website or remote server so that the website can recognize you upon your return to the website and tailor your experience based on your earlier use of the site. "Action tags" (also known as Web Beacons, Trackers, or Bugs) are invisible pixel .gif files placed on web pages that are used to track web navigation to those pages. United Car Loans, Inc. uses a cookie for each computer that visits its site. The cookie is integral to the customer experience and is necessary to use our online services. It allows United Car Loans, Inc. to customize the website presentation based on your accounts. While cookies, including United Car Loans, Inc.'c, can be disabled, if you disable our cookie you will not be able to use our website. The United Car Loans, Inc. cookie does not collect information from your hard drive; rather, it allows us to recognize you and know how you navigated through our site. It is also part of our effort to detect and stop fraud.

Sharing Information
United Car Loans, Inc. may disclose information about you to the following types of third parties: United Car Loans, Inc. affiliates; service companies (companies that provide services to United Car Loans, Inc. in order to process your application); auto dealerships meeting your criteria, financial institutions, and credit bureaus, collection agencies. Your information is disclosed to the foregoing entities solely for the purpose of locating a vehicle that meets your criteria and obtaining credit for the purchase of such vehicle. Outlined below is the information shared with each type of third party and as appropriate, your options.

Sharing Information with Service Companies -- In order to provide quality service, United Car Loans, Inc. contracts with service providers for essential roles in processing your application. We may disclose some or all of the information we collect to these service providers but only in order to obtain credit for you. All of United Car Loans, Inc.'s service providers have entered into a contract with United Car Loans, Inc. that forbids them from using information provided by United Car Loans, Inc. for any purpose other than providing the service for United Car Loans, Inc. customers. United Car Loans, Inc. takes security precautions to monitor the use of the information and prevent the use of the information for any other purpose.

Information Sharing With Merchants -- United Car Loans, Inc. does not share any information with unrelated merchants for the purpose of extending offers of goods and services without your consent.

Information Sharing with Partners -- United Car Loans, Inc. offers its products in conjunction with auto dealerships, financial institutions and other businesses (collectively, United Car Loans, Inc. Partners). By completing a credit application with United Car Loans, Inc. for the purpose of locating a vehicle that meets your criteria and obtaining credit for the purchase of such vehicle, you agree to the sharing of information with that partner. These relationships are clearly stated in the application and by completing the application you agree to the information sharing by United Car Loans, Inc. and the partner which may include: your name, address, phone number, e-mail address, and personal financial information.

Credit Reports and Other Uses of Information -- In applying for credit, you agree that we may request consumer credit reports from one or more credit reporting agencies in connection with your application and the administration of such application. You also authorize us to exchange credit information concerning you or your use of the Account with (and answer questions and requests from) others, such as merchants, other lenders and credit reporting agencies.

United Car Loans, Inc. does not knowingly offer its products and services to minors. Similarly, United Car Loans, Inc. does not collect information about children. Our application approval process is designed to identify applications submitted by children and to prevent their use of United Car Loans, Inc. websites.

Access to Account Information and Correction of Error Questions
United Car Loans, Inc. is committed to customer service and privacy. If you have any questions, comments or concerns regarding our Privacy Policy and its implementation, please do not hesitate to e-mail us at info@UnitedCarLoans.com